Don’t let the unexpected keep you up at night
Uncertainty is certain in business. Casualty coverage protects you from unforeseen events so you can focus on building your business without the worry of financial loss from insurable risks. With deep expertise in more than 20 industry verticals, Alera Group customizes the coverages you need to protect your business — and your bottom line.
Customized coverage for complex risk
You want solutions that fit your business. Our experts in complex risk work with you to understand your specific exposures and tailor solutions that fit your risks and budget constraints.
Business Auto
Safeguard your business vehicles and drivers while protecting your bottom line from the financial impact of physical damage and liability resulting from auto accidents. Your Business Auto policy can be customized to include Medical Payments, Uninsured Motorist, Hired Auto, Non-Owned coverages and more.
Environmental Liability
If you own property or are a manufacturing firm or construction company, you’re at risk for environmental liabilities. Alera Group can help with a range of tailored solutions, including site-specific coverage, Contractor's Pollution Legal Liability Insurance and more, to ensure your long-term sustainability.
Excess Liability
Certain industries are more susceptible to high-stakes legal actions. Extend your general liability coverage limits beyond your primary policies to handle significant claims. Excess Liability reduces exposure to unexpected financial burdens and preserves your company's stability.
General Liability
Shield your business from a wide range of liability claims, including damages to individuals arising from your premises, general operations (ongoing and after completion) and products manufactured or sold. General Liability Insurance is a fundamental necessity to protect your company against costly legal disputes.
Product Liability
Ensure the safety of your customers and the longevity of your brand with Product Liability Insurance, guarding your business against the financial repercussions of product-related injuries or damages. Related endorsements, such as Product Recall Insurance, can be added to meet your business’s unique needs and circumstances.
Umbrella Liability
Commercial Umbrella Insurance provides an extra layer of liability protection by covering costs that exceed your other liability coverage limits. This critical defense ensures that even the largest and most complex claims are covered.
Workers' Compensation
Prioritize your workforce's wellbeing and safeguard your business's financial stability with Workers' Compensation Insurance. This essential coverage ensures that injured employees receive the medical care and financial benefits they need to recover from on-the-job injuries and illnesses, fostering employee loyalty and regulatory compliance.
THOUGHT LEADERSHIP
Insights
Property and Casualty
Workers’ Compensation: Stable market with emerging challenges from mental health claims
Despite pressure from medical inflation, increases in fee schedules on medical procedures and wage inflation affecting premiums and benefits, Workers’ Compensation remains a stable and profitable line for insurers. This stability allows buyers favorable conditions, such as ample capacity and stable rates. However, a new trend is emerging: the inclusion of mental health claims as compensable workers’ compensation.
August 28, 2024
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Property and Casualty
Relief from the high cost of wind/hail insurance
Commercial real estate (CRE) owners must ensure they are adequately covered, but many face high wind/hail deductibles when renewing their Property Insurance policies. This is where Wind/Hail Deductible Buyback insurance policies come in, providing a solution that meets lender requirements and offers peace of mind during turbulent times.
August 22, 2024
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An Innovative Approach to Commercial and Personal Insurance
Alera Group has released its widely anticipated 2024 Property and Casualty Market Outlook. Executive VP/National Property and Casualty Practice Leader Mark Englert provides an introduction, with insight into why this is such a valuable publication for insurance consumers.
December 18, 2023
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The Role of Risk Management in Public Sector Insurance
Public sector organizations increasingly find themselves in an environment of shrinking budgets, staffing shortages, growing hostility and rising inflation.
May 31, 2022
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